If you are searching for the IFSC code of UCO Bank, RANJIT AVENUE branch in AMRITSAR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UCBA0002816. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANJIT AVENUE branch, and detailed step-by-step guides for using the IFSC UCBA0002816 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For UCO Bank's RANJIT AVENUE branch, the IFSC UCBA0002816 breaks down as follows: UCBA identifies the bank, 0 is the reserved character, and 002816 identifies this particular branch.
Branch details at a glance
| Bank Name | UCO Bank |
|---|---|
| Branch | Ranjit Avenue |
| IFSC Code | UCBA0002816 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SCO 89 GROUND FLOOR NATIONAL TOWER NEAR HOTEL PR RESEDENCY RANJIT AVENUE AMRITSAR ,AMRITSAR ,PUNJAB PIN 143001 |
| City | Amritsar |
| District | Amritsar |
| State | Punjab |
| STD Code | 183 |
| Phone | 2459388 |
Bank profile
UCO Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ranjit Avenue branch — IFSC UCBA0002816 — extends the bank's services to customers in and around Amritsar, Punjab.
Ranjit Avenue branch overview
Located at SCO 89 GROUND FLOOR NATIONAL TOWER NEAR HOTEL PR RESEDENCY RANJIT AVENUE AMRITSAR ,AMRITSAR ,PUNJAB PIN 143001, the Ranjit Avenue branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UCBA0002816 is required for all interbank electronic transfers routed through this branch.
Why every UCO Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RANJIT AVENUE of UCO Bank — its own 11-character IFSC. The code UCBA0002816 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UCBA0002816 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UCBA0002816
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UCBA0002816 across all three.
NEFT to UCO Bank, RANJIT AVENUE using IFSC UCBA0002816
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UCBA0002816, and confirm that the system picks up UCO Bank – RANJIT AVENUE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UCBA0002816
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to UCO Bank – RANJIT AVENUE, ensure your bank's portal accepts IFSC UCBA0002816 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to UCO Bank – RANJIT AVENUE, use IMPS. With IFSC UCBA0002816 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UCBA0002816 for UCO Bank – RANJIT AVENUE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UCBA0002816 | Yes – UCBA0002816 | Yes – UCBA0002816 |
For most retail customers crediting the Ranjit Avenue branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC UCBA0002816
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at UCO Bank – RANJIT AVENUE is still mapped to IFSC UCBA0002816. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UCBA0002816 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ranjit Avenue branch is mapped to IFSC UCBA0002816 on the RBI payments network. The branch generally supports the full retail product catalogue of UCO Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UCBA0002816.
Banking services available
The Ranjit Avenue branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 183-2459388.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UCBA0002816
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by UCO Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UCBA0002816 and the account number together uniquely identify the Ranjit Avenue branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UCBA0002816
UCO Bank customers can register for net banking and the bank's official mobile app once their account at the RANJIT AVENUE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UCBA0002816 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Common mistakes to avoid when using IFSC UCBA0002816
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to UCO Bank – RANJIT AVENUE, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UCBA0002816. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Ranjit Avenue branch
The branch is located at SCO 89 GROUND FLOOR NATIONAL TOWER NEAR HOTEL PR RESEDENCY RANJIT AVENUE AMRITSAR ,AMRITSAR ,PUNJAB PIN 143001, which puts it inside Amritsar, the broader Amritsar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “UCO Bank Ranjit Avenue branch” — the verified location pin for IFSC UCBA0002816 should appear at the top of the results.
- Confirm the branch is open by calling 183-2459388 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UCBA0002816 and your account number.
Verifying IFSC UCBA0002816 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UCBA0002816 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 183-2459388.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ranjit Avenue branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UCBA0002816, however, work 24x7.
Branch address & contact
UCO BankRanjit Avenue Branch
SCO 89 GROUND FLOOR NATIONAL TOWER NEAR HOTEL PR RESEDENCY RANJIT AVENUE AMRITSAR ,AMRITSAR ,PUNJAB PIN 143001
Amritsar, Punjab
Phone: 183-2459388
IFSC: UCBA0002816
Frequently asked questions
How do I add UCO Bank Ranjit Avenue as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UCBA0002816, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UCBA0002816 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to UCO Bank – Ranjit Avenue reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ranjit Avenue branch but serve different purposes.
What is the phone number of UCO Bank Ranjit Avenue branch?
You can reach the branch at 183-2459388 during regular banking hours.
Is IFSC UCBA0002816 valid for NEFT and RTGS?
Yes. IFSC UCBA0002816 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UCBA0002816 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UCBA0002816 to send funds instantly.
Summary
The IFSC code UCBA0002816 belongs to UCO Bank's RANJIT AVENUE branch, located at SCO 89 GROUND FLOOR NATIONAL TOWER NEAR HOTEL PR RESEDENCY RANJIT AVENUE… in AMRITSAR, PUNJAB. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
